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Investor Presentaiton

1Q21 financial overview Net Profit After Tax Movement, 1Q21 vs 4Q20 (SGD m) |||| UOB 194 3 69 105 40 116 17 +46% 1,008 688 +1% +22% +49% +4% -49% -7% +47% 4Q20 net Net interest profit after tax income Net fee and commission Other non- interest Operating expenses income income Total Share of profit Tax and non- allowances of associates controlling and joint interests 1Q21 net profit after tax ventures Key Indicators 1Q21 4Q20 QoQ Change 1Q20 YoY Change Net interest margin (%) 1 1.57 1.57 1.71 -0.14% pt Non-interest income / Income (%) 38.5 32.8 +5.7% pt 33.8 +4.7% pt Cost/Income ratio (%) 43.8 46.7 -2.9% pt 45.1 -1.3% pt Return on equity (%) 1,2 10.2 7.0 +3.2% pt 8.8 +1.4% pt 1. Computed on an annualised basis 2. Calculated based on profit attributable to equity holders of the Bank, net of perpetual capital securities distributions 34
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